Welcome to CompMetrics.com

CompMetrics, Inc. is a Risk Management Consulting Company - Specalizing in Workers' Compensation. We work with employers of all sizes and from all industries to analyze, manage, and control their work comp costs.

The Companion Insurance Company Goes 'Belly Up' – So to speak. It's good news for Enstar and the carriers – it's bad for employers. Every employer with Companion as a carrier in the last five years, beware. You must be proactive to protect your premiums.

Almost every employer knows, once a year, they get something called the X-MOD (Experience Rating Modification). They also know it has an effect on their work comp premium – either good or bad. Beyond that, employers don't understand much about the X-MOD. That is too bad, because when it comes to what an employer will pay for work comp insurance, nothing has a greater impact. It could mean the difference of tens of thousands of dollars.

Owner exemption is endorsed by carriers

As a workers compensation consultant to employers, I have noticed a large number of companies, with the owner engaged in daily management activities, will exempt the owner from coverage under their workers' compensation policy.

"This is a war of inches, and the inches we need to win are everywhere."1.

Probably nowhere is this statement more true than in the world of workers' compensation costs.

Claim Reserves drives up work comp costs

Lower Experience Ratings give employers the competitive advantage.Nothing has a greater impact on the level of premiums which an employer will pay than their Experience Modification Rating (X-MOD). A low X-MOD can give an employer a competitive advantage in the market place. Conversely, a high X-MOD can cause an employer to lose the advantage. It might even put them out of business.